As of June 2026, in the previous 30 Years, the Stocks/Bonds 60/40 Portfolio obtained a 8.23% compound annual return, with a 9.76% standard deviation. It suffered a maximum drawdown of -30.55% that required 36 months to be recovered.

As of June 2026, in the previous 30 Years, the JL Collins Simple Path to Wealth Portfolio obtained a 9.08% compound annual return, with a 11.94% standard deviation. It suffered a maximum drawdown of -38.53% that required 38 months to be recovered.

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Disclaimer: The simulations on this website are provided in good faith but should NOT be taken as investment advice. We are not liable for any errors or actions based on this information. The authors of the website are not affiliated with the portfolio creators, who are the sole owners of their intellectual property. The translation of asset allocations into ETFs is based on the interpretation of LazyPortfolioETF.com and may not exactly reflect the original intent of the portfolio creators. Content is for informational, educational, illustrative, and entertainment purposes only.

Table of contents

Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

Stocks/Bonds 60/40 Portfolio
Weight
(%)		 Ticker Name
60.00
VTI
Vanguard Total Stock Market
40.00
BND
Vanguard Total Bond Market
JL Collins
JL Collins Simple Path to Wealth Portfolio
Weight
(%)		 Ticker Name
75.00
VTI
Vanguard Total Stock Market
25.00
BND
Vanguard Total Bond Market

Portfolio Returns as of Jun 30, 2026

Return Comparison
Capital Growth
Inflation Adj:
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Return (%) as of Jun 30, 2026
YTD
(6M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~227Y)
https://www.lazyportfolioetf.com/wp-content/lzp-assets/img/author/avatar_us_author.webp Stocks/Bonds 60/40
-- Market Benchmark 		6.92 -0.14 6.92 15.21 7.52 9.72 8.23 7.42
https://www.lazyportfolioetf.com/wp-content/lzp-assets/img/author/avatar_jl_collins.webp Simple Path to Wealth
JL Collins 		8.46 -0.23 8.46 18.17 9.31 11.73 9.08 7.88
Returns over 1 year are annualized.

Portfolio Metrics as of Jun 30, 2026

The following metrics, updated as of 30 June 2026, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
1Y
5Y
10Y
30Y
MAX
Period: ()
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Stocks/Bonds 60/40 Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 60% 75%
Fixed Income 40% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 15.21 18.17
Infl. Adjusted (%) 10.91 13.76
DRAWDOWN
Deepest Drawdown Depth (%) -3.69 -4.18
Start to Recovery (months) 2 3
Longest Drawdown Depth (%) -0.13 -4.18
Start to Recovery (months) 2 3
Longest Negative Period (months) 6 6
RISK INDICATORS
Standard Deviation (%) 7.79 9.45
Sharpe Ratio 1.46 1.52
Sortino Ratio 2.11 2.27
Ulcer Index 1.03 1.16
Ratio: Return / Standard Deviation 1.95 1.92
Ratio: Return / Deepest Drawdown 4.12 4.34
Metrics calculated over the period 1 July 2025 - 30 June 2026
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Stocks/Bonds 60/40 Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 60% 75%
Fixed Income 40% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.52 9.31
Infl. Adjusted (%) 3.08 4.81
DRAWDOWN
Deepest Drawdown Depth (%) -20.69 -22.24
Start to Recovery (months) 26 25
Longest Drawdown Depth (%) -20.69 -22.24
Start to Recovery (months) 26 25
Longest Negative Period (months) 29 28
RISK INDICATORS
Standard Deviation (%) 11.37 13.04
Sharpe Ratio 0.36 0.45
Sortino Ratio 0.48 0.60
Ulcer Index 7.71 8.02
Ratio: Return / Standard Deviation 0.66 0.71
Ratio: Return / Deepest Drawdown 0.36 0.42
Metrics calculated over the period 1 July 2021 - 30 June 2026
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Stocks/Bonds 60/40 Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 60% 75%
Fixed Income 40% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.72 11.73
Infl. Adjusted (%) 6.16 8.11
DRAWDOWN
Deepest Drawdown Depth (%) -20.69 -22.24
Start to Recovery (months) 26 25
Longest Drawdown Depth (%) -20.69 -22.24
Start to Recovery (months) 26 25
Longest Negative Period (months) 34 31
RISK INDICATORS
Standard Deviation (%) 10.45 12.36
Sharpe Ratio 0.72 0.77
Sortino Ratio 0.95 1.02
Ulcer Index 5.76 6.13
Ratio: Return / Standard Deviation 0.93 0.95
Ratio: Return / Deepest Drawdown 0.47 0.53
Metrics calculated over the period 1 July 2016 - 30 June 2026
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Stocks/Bonds 60/40 Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 60% 75%
Fixed Income 40% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.23 9.08
Infl. Adjusted (%) 5.54 6.36
DRAWDOWN
Deepest Drawdown Depth (%) -30.55 -38.53
Start to Recovery (months) 36 38
Longest Drawdown Depth (%) -21.56 -30.50
Start to Recovery (months) 41 52
Longest Negative Period (months) 110 122
RISK INDICATORS
Standard Deviation (%) 9.76 11.94
Sharpe Ratio 0.62 0.57
Sortino Ratio 0.81 0.75
Ulcer Index 6.91 9.48
Ratio: Return / Standard Deviation 0.84 0.76
Ratio: Return / Deepest Drawdown 0.27 0.24
Metrics calculated over the period 1 July 1996 - 30 June 2026
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Stocks/Bonds 60/40 Simple Path to Wealth
Author JL Collins
ASSET ALLOCATION
Stocks 60% 75%
Fixed Income 40% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.42 7.88
Infl. Adjusted (%) 5.84 6.30
DRAWDOWN
Deepest Drawdown Depth (%) -62.03 -72.36
Start to Recovery (months) 83 89
Longest Drawdown Depth (%) -62.03 -72.36
Start to Recovery (months) 83 89
Longest Negative Period (months) 154 163
RISK INDICATORS
Standard Deviation (%) 9.23 11.31
Sharpe Ratio 0.34 0.32
Sortino Ratio 0.48 0.45
Ulcer Index 8.09 10.51
Ratio: Return / Standard Deviation 0.80 0.70
Ratio: Return / Deepest Drawdown 0.12 0.11
Metrics calculated over the period 1 January 1800 - 30 June 2026
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Drawdowns

A drawdown refers to the decline in value from a relative peak value to a relative trough. A maximum drawdown is the maximum observed loss from a peak to a trough of a portfolio before a new peak is attained.

DRAWDOWN COMPARISON
Inflation Adj:

Rolling Returns

By selecting the 'Rolling Period', the chart and data will update. To study a different date range, change the Simulation Settings.

You can explore the Rolling Returns for a single portfolio, or check the return differential, by switching on "Head To Head" toggle.

Rolling Returns Comparison
Annualized Rolling Returns Chart

Time to Target

What it shows: Months to reach your target capital from each historical entry point, accounting for your initial investment and periodic contributions.

Time to Target Comparison
Time to reach your Target Capital

Yearly Returns

For each year, the following table provides the return and intra-year drawdown. The highlighted returns represent the highest values for that specific year.

Swipe left to see all data
Stocks/Bonds 60/40 Simple Path to Wealth
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2026
 6.92 -3.69 8.46 -4.18
2025
 13.09 -4.02 14.59 -5.64
2024
 14.84 -3.62 18.20 -3.90
2023
 17.79 -7.48 20.89 -8.12
2022
 -16.95 -20.69 -17.91 -22.24
2021
 14.66 -3.24 18.79 -3.72
2020
 15.70 -12.29 17.70 -15.46
2019
 21.94 -3.41 25.21 -4.59
2018
 -3.17 -8.38 -3.94 -10.58
2017
 14.15 0.00 16.80 0.00
2016
 8.71 -2.95 10.25 -3.99
2015
 0.44 -5.24 0.41 -6.60
2014
 9.85 -1.50 10.86 -1.99
2013
 19.23 -2.27 24.56 -2.57
2012
 11.13 -3.54 13.13 -4.80
2011
 3.75 -9.00 2.71 -12.27
2010
 12.93 -7.13 14.62 -9.46
2009
 18.79 -11.70 22.58 -13.96
2008
 -19.44 -22.19 -26.02 -28.15
2007
 5.99 -3.07 5.76 -3.89
2006
 11.12 -2.03 12.84 -2.48
2005
 4.74 -2.34 5.33 -3.14
2004
 9.37 -2.68 10.65 -2.89
2003
 20.04 -1.99 24.06 -2.85
2002
 -8.98 -13.74 -13.29 -18.79
2001
 -3.21 -11.68 -6.12 -16.19
2000
 -1.79 -8.27 -5.08 -11.10
1999
 13.98 -3.76 17.67 -4.79
1998
 17.39 -10.18 19.59 -13.02
1997
 22.37 -3.12 25.61 -3.67
1996
 14.01 -3.33 16.62 -4.42
1995
 28.74 -0.20 31.38 -0.57
1994
 -1.16 -6.47 -0.79 -6.83
1993
 10.25 -1.36 10.39 -1.89
1992
 8.32 -1.65 8.62 -1.93
1991
 25.53 -2.86 28.11 -3.49
1990
 -0.19 -8.52 -2.40 -11.23
1989
 22.33 -1.36 24.50 -1.72
1988
 13.33 -2.24 14.83 -2.69
1987
 2.18 -19.17 2.34 -23.27
1986
 14.79 -5.58 14.71 -6.46
1985
 27.66 -2.15 29.02 -3.12
1984
 7.32 -6.58 5.39 -7.49
1983
 15.69 -2.85 18.30 -2.99
1982
 24.75 -4.29 23.16 -6.05
1981
 1.27 -8.82 -0.76 -10.31
1980
 21.05 -9.57 25.59 -10.43
1979
 16.69 -6.65 19.52 -6.87
1978
 5.53 -7.92 6.63 -9.36
1977
 -1.60 -4.89 -2.26 -6.16
1976
 21.38 -1.34 23.29 -1.55
1975
 25.64 -8.13 30.20 -9.59
1974
 -14.41 -20.38 -19.44 -25.55
1973
 -9.12 -9.87 -12.52 -13.38
1972
 11.66 -1.45 13.90 -1.83
1971
 14.37 -5.73 15.59 -6.04
1970
 9.77 -11.52 7.90 -13.78
1969
 -7.02 -8.24 -8.24 -9.08
1968
 9.19 -3.30 10.76 -3.48
1967
 16.22 -2.87 20.41 -3.58
1966
 -3.25 -9.79 -5.30 -11.58
1965
 8.81 -2.63 10.83 -3.46
1964
 11.40 -0.78 13.27 -1.00
1963
 13.34 -1.77 16.27 -2.14
1962
 -3.49 -12.63 -5.79 -16.39
1961
 16.69 -2.07 20.54 -2.28
1960
 5.77 -4.00 3.95 -5.07
1959
 6.99 -3.96 9.16 -4.50
1958
 25.76 -0.76 32.90 -1.07
1957
 -2.53 -7.55 -5.31 -9.67
1956
 4.48 -5.10 5.99 -5.92
1955
 15.12 -1.72 19.10 -2.31
1954
 31.48 -2.16 38.65 -2.55
1953
 1.85 -4.96 1.41 -5.97
1952
 9.07 -2.48 10.77 -2.90
1951
 12.47 -3.94 15.57 -4.75
1950
 18.15 -3.45 22.71 -4.16
1949
 13.74 -2.42 16.07 -3.13
1948
 2.46 -6.51 2.42 -8.23
1947
 2.12 -3.61 2.77 -4.75
1946
 -3.48 -13.30 -4.52 -16.21
1945
 24.98 -2.30 29.94 -2.98
1944
 13.65 -0.91 16.49 -1.16
1943
 17.73 -5.22 21.54 -6.35
1942
 10.55 -7.45 12.87 -9.29
1941
 -5.16 -8.44 -7.01 -10.12
1940
 -2.58 -14.56 -4.30 -17.69
1939
 2.64 -8.45 2.53 -10.97
1938
 18.78 -15.43 22.38 -19.10
1937
 -20.16 -23.31 -25.67 -29.12
1936
 22.00 -4.48 26.37 -5.59
1935
 29.34 -5.09 35.70 -6.99
1934
 4.30 -9.46 3.55 -13.03
1933
 35.51 -12.66 43.64 -14.92
1932
 -0.28 -25.51 -3.42 -32.87
1931
 -27.30 -34.34 -33.61 -41.46
1930
 -13.91 -22.76 -19.33 -29.09
1929
 -5.08 -21.42 -7.41 -26.56
1928
 22.84 -2.72 28.78 -3.26
1927
 22.12 -2.70 26.32 -3.33
1926
 8.76 -5.17 9.77 -6.71
1925
 16.74 -3.95 20.13 -4.94
1924
 19.37 -1.79 22.24 -2.46
1923
 4.71 -7.60 4.96 -9.69
1922
 19.63 -2.80 23.16 -3.41
1921
 11.31 -5.11 10.85 -6.53
1920
 -8.32 -9.02 -10.45 -11.42
1919
 12.66 -4.87 15.27 -5.90
1918
 12.74 -2.11 14.77 -2.74
1917
 -11.87 -11.87 -14.41 -14.41
1916
 6.29 -1.98 6.95 -2.62
1915
 21.19 -1.32 24.93 -1.68
1914
 -0.68 -11.08 -2.47 -14.54
1913
 -1.31 -4.21 -2.61 -5.89
1912
 4.90 -2.48 5.73 -3.09
1911
 3.72 -5.85 3.63 -7.33
1910
 -0.39 -6.05 -1.54 -8.01
1909
 10.23 -1.46 12.43 -1.94
1908
 28.22 -1.72 32.43 -2.43
1907
 -14.66 -16.56 -18.25 -21.02
1906
 0.65 -6.03 0.63 -7.39
1905
 13.00 -3.42 16.09 -4.13
1904
 21.60 -1.44 25.55 -1.74
1903
 -9.42 -14.64 -12.31 -18.68
1902
 5.32 -4.68 6.41 -5.71
1901
 12.37 -5.10 15.01 -6.29
1900
 14.00 -2.99 16.53 -3.90
1899
 2.03 -5.60 2.63 -6.87
1898
 19.40 -4.72 23.09 -4.45
1897
 14.52 -2.89 16.69 -3.91
1896
 3.55 -8.59 3.42 -9.90
1895
 2.99 -6.94 3.72 -7.88
1894
 4.58 -2.96 4.21 -3.94
1893
 -9.41 -16.37 -12.95 -20.33
1892
 4.50 -1.55 5.09 -1.78
1891
 13.47 -3.11 15.48 -3.34
1890
 -3.23 -7.81 -4.34 -10.07
1889
 5.21 -1.48 5.90 -1.85
1888
 4.16 -2.40 3.83 -2.73
1887
 0.17 -6.26 -0.16 -7.47
1886
 7.45 -2.95 9.13 -3.53
1885
 20.12 -1.12 23.82 -1.25
1884
 -5.85 -9.42 -8.30 -11.13
1883
 -1.59 -3.70 -3.07 -4.86
1882
 3.39 -3.65 3.46 -4.42
1881
 1.51 -6.38 1.01 -7.73
1880
 18.01 -5.21 21.20 -6.57
1879
 30.75 -0.79 37.70 -0.86
1878
 12.34 -0.38 13.81 -0.64
1877
 0.79 -10.85 0.08 -14.14
1876
 -5.64 -9.33 -8.84 -12.52
1875
 5.80 -2.06 5.63 -2.54
1874
 8.29 -2.74 6.93 -4.14
1873
 0.18 -11.04 -0.84 -12.81
1872
 7.40 -2.81 8.79 -2.88
1871
 10.46 -3.08 12.38 -3.58
1870
 5.65 -2.12 5.48 -3.19
1869
 5.23 -3.81 4.64 -5.01
1868
 7.41 -1.90 7.66 -2.44
1867
 5.72 0.00 5.02 0.00
1866
 8.37 -3.53 7.96 -4.76
1865
 3.48 -8.34 3.94 -10.63
1864
 12.66 -5.19 14.14 -6.87
1863
 31.03 -3.06 36.79 -3.75
1862
 40.98 -2.19 46.23 -3.03
1861
 3.23 -11.57 2.59 -14.47
1860
 0.85 -7.43 0.50 -9.94
1859
 5.99 -0.66 6.31 -1.25
1858
 14.54 -1.58 15.46 -2.15
1857
 -6.52 -18.45 -9.16 -23.48
1856
 8.42 -1.34 8.53 -1.95
1855
 16.73 -2.26 18.63 -2.95
1854
 -7.21 -8.61 -8.62 -10.38
1853
 0.85 -5.26 0.06 -6.99
1852
 19.76 -0.21 21.85 -0.43
1851
 2.71 -3.40 2.41 -4.58
1850
 14.61 -0.08 15.51 -0.41
1849
 16.77 -1.86 17.38 -2.52
1848
 16.12 0.00 14.84 0.00
1847
 10.97 -7.98 12.89 -10.34
1846
 20.65 -1.75 23.74 -2.44
1845
 -2.88 -5.87 -4.07 -7.30
1844
 9.84 -2.17 10.68 -2.78
1843
 53.14 -0.09 53.95 -0.77
1842
 3.82 -5.30 6.52 -6.28
1841
 -18.82 -18.82 -17.80 -17.80
1840
 7.19 -2.08 7.87 -2.57
1839
 -13.96 -17.72 -15.86 -21.29
1838
 14.24 -0.58 16.83 -0.82
1837
 -4.86 -13.39 -8.09 -17.25
1836
 7.82 -4.32 9.36 -5.54
1835
 -0.97 -5.87 -1.49 -7.57
1834
 11.38 -1.55 12.07 -2.22
1833
 -1.44 -4.19 -1.60 -5.23
1832
 10.28 -0.26 11.33 -0.49
1831
 -4.95 -4.95 -8.34 -8.34
1830
 21.30 0.00 25.13 0.00
1829
 11.94 -0.56 13.24 -1.12
1828
 -6.97 -9.55 -9.47 -12.11
1827
 1.44 -2.26 0.27 -3.23
1826
 3.55 -5.33 3.06 -7.14
1825
 -5.27 -6.10 -6.74 -7.75
1824
 11.74 -0.73 12.72 -1.05
1823
 6.69 -0.41 6.90 -0.61
1822
 -1.24 -1.24 -2.26 -2.26
1821
 9.69 0.00 10.51 -0.09
1820
 8.00 -0.46 7.40 -0.84
1819
 0.38 -3.75 -1.70 -5.44
1818
 -8.27 -8.27 -10.31 -10.31
1817
 21.17 0.00 22.54 -0.33
1816
 6.70 -0.81 5.96 -1.20
1815
 13.61 -4.18 13.34 -5.64
1814
 -4.53 -4.72 -5.62 -5.89
1813
 3.32 -0.28 4.85 -0.30
1812
 7.48 -2.38 8.54 -3.02
1811
 1.10 -1.66 1.74 -1.74
1810
 0.31 -1.97 -0.60 -2.58
1809
 6.57 -0.89 6.92 -1.32
1808
 12.87 -0.82 13.57 -1.38
1807
 2.21 -4.66 1.57 -5.96
1806
 10.94 -0.35 10.82 -0.63
1805
 2.60 -1.48 1.74 -1.96
1804
 0.59 -1.26 0.48 -1.63
1803
 3.64 -0.67 3.90 -0.90
1802
 10.73 -0.29 12.04 -0.03
1801
 13.93 -0.91 13.67 -1.37
1800
 15.70 0.00 14.92 -0.35
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Master ETF Investing & maximize profits with Lazy Portfolios & Passive Strategies.
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